You aren't listening to these folks and they are right. 120k of debt (and this is a rather low estimate because you still have some outside expenses) when you make 40-50k is horrible.

If you make 40-50k and have a similar level of debt you are fine. If you have even 80k I would say it could work for you given your current situation. But a low-ball estimate of 120k in debt is insanity given the cost of living in Miami post-law school vs. your probable starting salary.

Edit: I'm changing my vote to none. And believe me I'm not being an ass it is just that these are really, really bad choices.

I would honestly take UDC in this situation. UDC's clinical programs give you the chance to build some great connections in Washington. I have worked with some UDC Law grads who enjoyed their time at the school while graduating with little debt. The school prepares you to work in the courtroom as a trial attorney so many grads own their own firms. Though if you work hard you can work in any area of the law you want. For example this guy is a UDC Law grad and is one of the most respected attorneys at Greenberg Traurig.

Everybody else is right. People are graduating and grabbing jobs in local firms as clerks or w/e making 10-11/hr. You probably won't make top 10. (Percent? Probably not.) Don't deny this because it's going to a roll of the dice.